At least 18 years old, and have a stable source of income. Xiaoqiguaiguai Huaye Loan is a loan brand owned by Yunnan Xiaoqiguaiguai Business Information Consulting Co., Ltd., and its loan requirement is that the lender is at least 18 years old, has a stable income source and has no bad credit record. The loan needs to be repaid on time, and there is no need to pay extra if it is overdue.